Home Bancorp, Inc. (HBCP) Q2 2025 Earnings Conference Call Transcript

Core Insights - Home Bancorp reported a second quarter net income of $11.3 million, translating to $1.45 per share, which is an increase of $0.08 from the first quarter and $0.43 from the same period last year [4]. Financial Performance - The net interest margin expanded for the fifth consecutive quarter, reaching 4.04% [4]. - Return on assets (ROA) increased by 2 basis points to 1.31% [4]. - The margin expansion was primarily driven by an 8 basis point increase in earning asset yields, stable interest-bearing deposit costs, loan growth, and a 6% increase in noninterest-bearing deposits [4].